OFX vs Wise Business: what each publishes
As of October 17, 2026, OFX takes these industries by its own published rules: Marketplace, with conditions. Wise Business: Marketplace, with conditions.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Wise Business
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United States
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Middle East & North Africa
- Africa
- CIS / Central Asia / Caucasus
- Other
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | OFX | Wise Business |
|---|---|---|
| Marketplace | With conditions | With conditions |
| Crypto | No | Depends on the activity |
| iGaming | No | No |
| Adult | No | No |
| Unlicensed financial services | No | No |
| Forex and CFD | No | No |
| AI and SaaS | No published rule | No published rule |
Where owners must live
OFX
No published rule
Wise Business
No published rule
Rules about countries
OFX
No published rule
Wise Business
Countries and regions we don't support
There are some places where we don’t offer our services:
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Democratic Republic of the Congo, Cuba, Eritrea, Iran, Iraq, North Korea, Libya, Myanmar, Somalia, Republic of South Sudan, Russia, Sudan, Syria, Yemen, Venezuela, and the Ukraine regions: Crimea, Donetsk, Luhansk, Kherson, Zaporizhzhia.
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo-Brazzaville, Cuba, DR Congo, Eritrea, Iran, Iraq, Libya, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen
Countries and regions we don't support
There are some places where we don’t offer our services:
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Democratic Republic of the Congo, Cuba, Eritrea, Iran, Iraq, North Korea, Libya, Myanmar, Somalia, Republic of South Sudan, Russia, Sudan, Syria, Yemen, Venezuela, and the Ukraine regions: Crimea, Donetsk, Luhansk, Kherson, Zaporizhzhia.
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo-Brazzaville, Cuba, DR Congo, Eritrea, Iran, Iraq, Libya, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen
Due to licensing limitations, we’re unable to onboard businesses from Nevada, and US territories (American Samoa, Guam, Mariana Islands, Virgin Islands).
American Samoa, Guam, Northern Mariana Islands, U.S. Virgin Islands
Fees
OFX
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Standard | Free to start ('Start for free') | GBP 0 a month ('per user/month') | · Source |
| Full Suite | Not stated; free trial ('Try it free for 30 days') | GBP 75 a month with five users ('per month (5 users included).'), then GBP 10 per user a month ('per user / month thereafter') | · Source |
Wise Business
All 22 fee lines, by plan and country
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Wise Business (UK) | GBP 50 one-off set-up fee ('All in for 50 GBP', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (US) | USD 31 one-off set-up fee ('All in for 31 USD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Switzerland and Liechtenstein) | CHF 55 one-off set-up fee ('All in for 55 CHF', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (EEA) | EUR 60 one-off set-up fee ('All in for 60 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Belgium) | EUR 100 one-off set-up fee ('All in for 100 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Czechia) | CZK 1,350 one-off set-up fee ('All in for 1,350 CZK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Denmark) | DKK 450 one-off set-up fee ('All in for 450 DKK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Estonia) | EUR 50 one-off set-up fee ('All in for 50 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Germany) | EUR 55 one-off set-up fee ('All in for 55 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Hungary) | HUF 21,500 one-off set-up fee ('All in for 21,500 HUF', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Iceland) | GBP 45 one-off set-up fee ('All in for 45 GBP', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Norway) | NOK 700 one-off set-up fee ('All in for 700 NOK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Poland) | PLN 255 one-off set-up fee ('All in for 255 PLN', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Romania) | RON 300 one-off set-up fee ('All in for 300 RON', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Sweden) | SEK 670 one-off set-up fee ('All in for 670 SEK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business Advanced (Australia) | AUD 65 one-off set-up fee ('65 AUD setup cost') | No monthly fee listed | · Source |
| Wise Business (Canada) | CAD 55 one-off set-up fee ('All in for 55 CAD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Singapore) | SGD 99 one-off set-up fee ('All in for 99 SGD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Hong Kong) | HKD 199 one-off set-up fee ('All in for 199 HKD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Japan) | JPY 3,000 one-off set-up fee ('All in for 3,000 JPY', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (New Zealand) | NZD 40 one-off set-up fee ('All in for 40 NZD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Brazil) | BRL 250 one-off registration fee ('Register for a Wise account 250 BRL', 'All in for 250 BRL'); account details then free | No monthly fee listed | · Source |
Closing an account
OFX
Pursuant to the Payment Services and Payment Accounts (Amendment) Regulations 2025, we may terminate this Agreement and close your Account with us by giving you ninety (90) days' notice in writing.
Wise Business
9.7 We may end this Agreement by giving you two (2) months’ notice. We may terminate this Agreement and close your Wise Account or any Services associated with it by giving you two (2) months’ prior notice, where required.
Licence
| Licensee | OFX | Wise Business |
|---|---|---|
| Licensee | UKForex Limited (trading as OFX) · EMI authorised by the FCA (FRN 902028) · a wholly owned subsidiary of OzForex Limited | Wise Payments Ltd · EMI authorised by the FCA (FRN 900507) · Wise Europe SA (Belgium) |
| Regulator | FCA · | FCA · |